115 Cave Spring Dr, Ingram, TX 78025 Property Records

Kerr County property record for 115 Cave Spring Dr, Ingram, TX 78025

Property Summary

Property Type	Rural Home
Details	2 ba · 2,094 sqft · built 1969
Lot Size	2.26 acres (98,576 sqft)
Owner	2 Individual Names on Record
Last Sale	$451,300 (Dec 2019)
Tax Bill	$6,775 (2026)
Deeds & Mortgages	Jan 2020 Mortgage Dec 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`0326-0672-000202`

Property Details

APN / Parcel Number

Primary APN	`0326-0672-000202`
Alternative APN	`16620`

Interior

Full Baths	2 Baths
Building Area	2,094 sqft Living Area
Gross Area	4,735 sqft
1st Floor Area	2,094 sqft
Flooring	Hardwood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Lot Area	98,576 sqft (2.26 acres)
Porch	Slab
Porch Area	313 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	0326-0672-000202
Street Address	115 CAVE SPRING DR
City	INGRAM
State	TX
Zip	78025-5596
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	ABS A0326 SUBLETT, SUR 672,ACRES 2.263
Legal Subdivision	SUBLETT, SUR 672
Jurisdiction	KERR TX
Township / Civil Division	INGRAM
Census Block Group	2
Census Block	2107
Census Tract	960304

Owner

Source: Kerr County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	115 CAVE SPRING DR, INGRAM, TX 78025-5596
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage TEXAS HILL COUNTRY BANK
Dec 5, 2019	Vendor's Lien, Transfer · Construction Mortgage TEXAS HILL COUNTRY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2019 · Amount on Record
Deed Sale	Dec 5, 2019 · Amount on Record
Deed Document Number	20198605
Prior Transfer Date	Oct 4, 2016
Prior Transfer Doc	0000006694
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERR TX
Property Address	115 CAVE SPRINGS DR, KERRVILLE, TX 78028
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20000693
Date	Jan 27, 2020
Instrument	20-000693

Lender

Name	TEXAS HILL COUNTRY BANK
Type	Bank
Address	KERRVILLE, TX 78028

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

December 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	KERR TX
Recording Date	Dec 5, 2019
Property Address	115 CAVE SPRINGS DR, KERRVILLE, TX 78028
Document Number	19008605
Map Reference	DOC 16-06694
Instrument Date	Dec 4, 2019
Instrument	19-008605
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY ABSTRACT & TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 705, HUNT, TX 78024-0705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 437, HUNT, TX 78024-0437

Mortgage

Document Number	19008606
Date	Dec 5, 2019
Instrument	19-008606

Lender

Name	TEXAS HILL COUNTRY BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kerr County assessment roll, as of October 30, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Kerr County
Unified School District	Hunt Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,775.00 (+17.83%)	$581,595 (-) Land $40,734 Building $540,861	$581,595 (-) Land $40,734 Building $540,861
2025	$5,750.00 (+1.75%) Homeowner's exemption	$581,595 (+9.09%) Land $40,734 Building $540,861	$581,595 (+9.09%) Land $40,734 Building $540,861
2024	$5,651.00 (+4.03%)
2023	$5,432.00 Homeowner's exemption	$533,129 Land $40,734 Building $492,395	$533,129 Land $40,734 Building $492,395

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Nearby Flood Policies	69 in force
Nearby Flood Claims	26 (2024–2026)
Claims Outside the SFHA	9 of 26
Most Recent Claim	Jul 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jul 2026 · 5 claims Severe Storms, Straight-line Winds, And Flooding, Jul 2025 · 20 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · above 44% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CANYON SPRINGS WATER WORKS private · serves 525 people · EPA ID TX1330006
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hill Country Telecommunications Fiber	8,000 / 8,000
VTX Communications Fixed Wireless	940 / 940
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

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